Best and Cheapest Minnesota Car Insurance Companies as Rated by Customers in 2022

When shopping for a Minnesota car insurance company, you want to be sure you're doing business with a company that effectively serves its policyholders. Clearsurance reviews Minnesota car insurance companies and allows you to read other people's experiences and see which company is the best fit for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Minnesota.

With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Minnesota car insurance companies. Customer satisfaction is an important part of the insurance buying process.

In the table above, you can sort through all the Minnesota car insurance companies ranked on Clearsurance. The rating next to each company is the Clearsurance score and is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Minnesota car insurance rankings.

Interested in learning more about one of these Minnesota car insurance companies? You can visit the company's profile page to find out what additional coverages they offer, any discounts they offer, and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

• Who offers the cheapest teen car insurance rates in Minnesota?
• Who offers the cheapest car insurance rates for a married couple in Minnesota?
• Who offers the cheapest senior car insurance rates in Minnesota?
• 10 Cheapest areas in Minnesota for car insurance
• 10 Most expensive areas in Minnesota for car insurance
• Minimum car insurance coverage and limits in Minnesota
• Minnesota’s uninsured motorists percentage

Who offers the cheapest teen car insurance rates in Minnesota?

Teenagers hit the road with a slight disadvantage. They don't have much of a driving history for companies to draw on, so they're generally listed as high-risk drivers until they've been on the road for a while. If you have a teen driver in your family, be clear about their age and if they're still in school if you're looking into an auto insurance quote. You should also mention if they've taken any sort of defensive driving course, or done anything to improve their driving habits. A company might have a variety of discounts offered to offset the fact that they're going to have higher than average rates.

Out of the five largest car insurance companies in Minnesota, Allstate is the cheapest car insurance option for both male and female teen drivers on average.

Company	Female teen rates	Male teen rates
Allstate Insurance	$860	$778
American Family Insurance	$1,178	$1,161
Auto-Owners Insurance Group	$985	$1,091
Farmers Insurance Group	$4,358	$4,080
State Farm Insurance Company	$966	$1,053

These rates are based on profiles for 18-year-old male and female drivers in Minnesota. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Minnesota?

By pooling their resources together, a married couple can achieve affordable coverage. Out of five of the most popular Minnesota car insurance companies, Farmers Insurance Group offers the cheapest average rate for car insurance for married couples in Minnesota. The table below displays average Minnesota car insurance rates for a married couple with two cars on a policy from the five companies.

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Minnesota?

While inexperienced drivers have to wade through the universe of companies out there to find competitive rates mature drivers can sit back and enjoy lower annual costs. Seniors typically have more experience, though we understand that no one is exempt from accidents. Insurance costs generally go down the older a person gets, barring traffic violations and other things that may blight a driving record.

Among the five largest companies in the state, State Farm provides the cheapest average rate for car insurance in Minnesota.

Company	Female senior rates	Male senior rates
Allstate Insurance	$1,463	$1,463
American Family Insurance	$841	$841
Auto-Owners Insurance Group	$1,104	$1,104
Farmers Insurance Group	$827	$941
State Farm Insurance Company	$800	$800

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.

What are the auto insurance rates by area?

Car insurance rates in Minnesota vary significantly based on the city and neighborhood you live in. The amount you pay can even change depending on the ZIP codes within your neighborhood. Which may help explain why your auto insurance company charges you more than someone who lives a few streets over.

On average, the cheapest car insurance can be found in the city of Granada. In the table below, you can see the top 10 cheapest areas in Minnesota for car insurance based on average rates for single adults.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.

What are the 10 most expensive areas in Minnesota for car insurance?

Car insurance in Minnesota can be more expensive in some areas of the state because of different crime rates and frequency of accidents or other claims. The most expensive area for car insurance in Minnesota is Minneapolis followed by Saint Paul. Depending on your location, you may also have insurance requirements set up by your insurance company. Should you live in an area with high crime, or a higher frequency of accidents, auto policies will end up being more expensive.

The table below displays the top 10 most expensive areas in Minnesota for car insurance based on average rates for a single adult.

These rates are based on a 35-year-old single adult with one average driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual coverage per person rates in Minnesota will differ. Rate data is provided by Quadrant Information Services.

What auto insurance coverage do I need to have?

Minnesota requires drivers to have a minimum of four different car insurance coverages: liability coverage, personal injury protection coverage (PIP), uninsured motorist coverage, and underinsured motorist coverage. Having required coverage limits allows a company to know that their insured drivers are going to be safe on the road, thus having less claims.

These auto insurance requirements are more extensive than in many other states, but having these different coverages will help better protect you financially in the event of an accident. It might also be beneficial to look into additional protections such as collision coverage and any other additional coverage Minnesota offers.

We've listed the minimum limits set by the state below, but it's important to consider buying higher limits. It's likely that these minimum coverages would not be enough to cover all the costs associated with a serious accident. You can still find affordable rates through your insurance provider. You may have to ask about any insurance discounts they're offering, but you'll be able to meet the requirements with better coverage rates if you do.

Personal injury protection will pay for both your medical bills and loss of income resulting from an accident, regardless of fault. This coverage also protects members of your household if they are injured in an accident, and protects you if you're a passenger in another driver's vehicle. Likewise, any passengers in your vehicle that aren't members of your household will be covered by their own PIP.

The required coverages in Minnesota are fairly extensive and will help protect you from injuries that you or other passengers sustain in an accident, or damage that you cause to another person's property. But you will not have protection for your own vehicle in an at-fault accident or from any non-accident damages, such as hail or theft. That's why you should consider purchasing collision insurance and comprehensive coverage. They may be optional coverage, but thy can be incredibly beneficial to include in your auto insurance policy.

Collision is the specific auto coverage that will protect your vehicle in the event of an accident. Comprehensive is the type of coverage that will keep your vehicle safe from natural disasters, vandalism, or animals. They may raise insurance prices, but they also help out financially in the long run.

Minnesota state minimum requirements:

Liability:

• Bodily injury — $30,000 per person
• Bodily injury — $60,000 per accident
• Property damage — $10,000 per accident

Personal injury protection:

• Medical expenses — $20,000 per person
• Loss of income — $20,000 per person

Bodily injury caused by an uninsured/underinsured motorist:

• $25,000 per person
• $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence. It also protects you from any property damage claims.

What is Minnesota’s uninsured motorist percentage?

Minnesota does require drivers to carry both uninsured motorist and underinsured motorist coverage. Underinsured motorist coverage will help pay for any injury-related costs that are above the other driver's bodily injury liability and your own PIP. So if you're hit by a driver who doesn't have adequate limits, this coverage will offset those costs.

The uninsured motorist coverage protects you from any injury-related costs in an accident caused by a driver without insurance. In Minnesota, 11.5 percent of drivers are without insurance, which ranks 27th nationally, according to 2015 data from the Insurance Information Institute.

How are car insurance rates calculated in Minnesota?

When searching and comparing quotes from the best auto insurance companies in Minnesota, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a insurance quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Your driving record (a driver with a clean driving record will have to pay less in insurance)
• How much you drive
• Location
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.

How can you save money on your car insurance in Minnesota?

At the end of the day, we'd all like to have the best, affordable insurance policy from one of the best Minnesota car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Monitor price changes to your policy
• Shop for better insurance rates

How does Clearsurance rate and rank the best car insurance companies in Minnesota?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

For further questions is there a guide with answers?

Whether you're buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Especially in Minnesota, where it seems as though every driver needs to have a full-coverage policy. You want to be able to find an affordable option, but with a company that has proper financial strength to back up any claim you may have in the future. This is why knowing the difference between the types of auto insurance can be essential.

Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.